Search found 279 matches

by Alanw
Thu Oct 04, 2018 4:12 pm
Forum: Permanent Portfolio Discussion
Topic: 2 PP Portfolios, 6 months performance
Replies: 39
Views: 19894

Re: 2 PP Portfolios, 6 months performance

Agree with all. The PP has not been kind to investors this year, nor has it been terrible. Remember Harry Browne said to look at your portfolio annually. I'm sure no one here, including myself adheres to that rule. In 2008 the PP suffered a loss of about 2%. Given the circumstances of that year, wha...
by Alanw
Thu Oct 04, 2018 2:06 pm
Forum: Permanent Portfolio Discussion
Topic: 2 PP Portfolios, 6 months performance
Replies: 39
Views: 19894

Re: 2 PP Portfolios, 6 months performance

Those who had a stock heavy portfolio in 2008 will tend to view things differently (I think). It was very scary seeing the possibility of the U.S. including the stock market failing.
by Alanw
Wed Oct 03, 2018 4:24 pm
Forum: Permanent Portfolio Discussion
Topic: 2 PP Portfolios, 6 months performance
Replies: 39
Views: 19894

Re: 2 PP Portfolios, 6 months performance

I follow PP with 30/20 bands and a slice of Wellesley in VP. Current portfolio balance is almost the same as starting balance from 8 years ago with a 5-6% withdrawal in retirement.
by Alanw
Sun Jun 10, 2018 1:07 pm
Forum: Variable Portfolio Discussion
Topic: Wellesley
Replies: 13
Views: 15500

Re: Wellesley

Have not posted for sometime but wanted to comment on Wellesley, HBPP and withdrawal rates. We finally discovered HBPP in 2009 and implemented in early 2011 with a chunk of Wellesley in VP. Currently have about 60% in HBPP with 30% in Wellesley with 10% in misc. old accounts and extra cash. I have b...
by Alanw
Tue Mar 14, 2017 4:39 pm
Forum: Permanent Portfolio Discussion
Topic: Question for original forum members
Replies: 42
Views: 30212

Re: Question for original forum members

I think the Other folder is a double edged sword here. On the one hand it keeps some members active. On the other hand, it has driven some away either by their or the moderators' choice. Let's face it, the PP is a boring-ass portfolio. After a while there just isn't a lot to say about it--or its co...
by Alanw
Sun Dec 11, 2016 1:25 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 45
Views: 30987

Re: New to Permanent Portfolio

My own personal PP is completely separate from VWINX and outside cash. It is held in both IRA, one other brokerage account and savings account. I rebalance using 30 - 20 bands. I know that 35 - 25 bands may produce a slightly higher CAGR but my primary interest is portfolio stability with nominal af...
by Alanw
Sat Dec 10, 2016 1:41 pm
Forum: Bonds
Topic: Maximum Bond Upside
Replies: 278
Views: 161440

Re: Maximum Bond Upside

This year will be my first RMD. Sold TLT at 136 to rebalance into cash. When one asset in PP is either up or down quite a bit, it is a good idea to check rebalance bands. A little luck doesn't hurt either.
by Alanw
Sat Dec 10, 2016 1:11 pm
Forum: Bonds
Topic: Maximum Bond Upside
Replies: 278
Views: 161440

Re: Maximum Bond Upside

I started PP in 2011. Held my nose and bought LTT's at 4.25%. Have rebalanced twice out of LTT's since. Who would have guessed? If you hit a rebalance band, stick to the plan.
by Alanw
Sat Dec 10, 2016 12:59 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 45
Views: 30987

Re: New to Permanent Portfolio

barrett, Income was part of the reason plus wanting some exposure to corporate bonds, which Wellesley has and not wanting to put all eggs in one basket. It's a very conservative portfolio but suits me well in retirement. Of course the first half of the year when the PP was on a tear, I wished all as...
by Alanw
Fri Dec 09, 2016 3:12 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 45
Views: 30987

Re: New to Permanent Portfolio

Have been checking the forum the past couple of weeks and noticed a number of posts regarding PP being down quite a bit from the years high and also noticed my PP was down too. I started the PP in early 2011. Actually my portfolio consists of around 60 - 70% HBPP and 20 - 30% VWINX with a little ext...
by Alanw
Tue Mar 29, 2016 5:07 pm
Forum: Other Discussions
Topic: Running shoes/sneakers
Replies: 38
Views: 21884

Re: Running shoes/sneakers

Last fall we went to Spain for a month and anticipated doing a lot of walking. We went to a nearby Skechers outlet and ended up purchasing 2 pair of Skechers Gowalks. They are the most comfortable walking shoe I have ever worn. We walked 5 to 10 miles a day and never had any foot or leg problems.
by Alanw
Tue Feb 23, 2016 12:20 pm
Forum: Variable Portfolio Discussion
Topic: Alternative to PP
Replies: 9
Views: 5729

Re: Alternative to PP

One of the major premises of portfolio construction according to HB, Warren Buffett or Jack Bogle is to keep the portfolio SIMPLE. I do not care to hold 25% in gold so I keep a separate HBPP for rebalance purposes at 70% of total portfolio value. This gives me a 17.5% exposure to gold and the other ...
by Alanw
Wed Dec 16, 2015 2:06 pm
Forum: Bonds
Topic: TLT value increased when FED raised rates?
Replies: 4
Views: 4194

Re: TLT value increased when FED raised rates?

Rate hike was one of the worst kept secrets.  All priced in far in advance.
by Alanw
Mon Dec 14, 2015 11:54 am
Forum: Permanent Portfolio Discussion
Topic: Depressed
Replies: 39
Views: 17070

Re: Depressed

It will be very interesting to see what happens Wednesday especially with LTT's.
by Alanw
Sat Dec 12, 2015 7:31 pm
Forum: Permanent Portfolio Discussion
Topic: Did Harry Browne consider this flaw in his strategy?
Replies: 41
Views: 21934

Re: Did Harry Browne consider this flaw in his strategy?

After reading "Fail Safe Investing" as well as many other financial books, I came to the conclusion that the HBPP is an excellent investment portfolio to use especially for someone in or near retirement such as myself. I also believe that you should keep the portfolio at 4 X 25. However, I do not be...
by Alanw
Thu Jul 16, 2015 11:57 am
Forum: Permanent Portfolio Discussion
Topic: Why do you use the PP?
Replies: 177
Views: 72284

Re: Why do you use the PP?

Small accounting item - many PP investors use Wellesley Income Fund.  How do you allocate that to your totals - all equity, all bond, all cash, 35-40% equity and 60-65% bond, 35-40% equity and 60-65% cash, or kept as part of your VP? My portfolio is approximately 60 - 70% PP with a VP (completely s...
by Alanw
Wed Jul 15, 2015 11:25 am
Forum: Permanent Portfolio Discussion
Topic: The Permanent Portfolio is dead
Replies: 77
Views: 30752

Re: The Permanent Portfolio is dead

I swear this forum has become downright depressing. Seems there's no end to people's negativity about the PP and gold. Would seem that's the time to get in. Why so little concern that it took 13+ years for the S&P 500 to get back to where it was, nominally, in 2000? And the fact that story is writt...
by Alanw
Thu May 07, 2015 2:36 pm
Forum: Permanent Portfolio Discussion
Topic: No where to hide
Replies: 804
Views: 296867

Re: No where to hide

70% of my IRA plus non retirement portfolio is in the PP. The remainder is in a VP which consists of VWINX.  This leaves me with a total of 30/35/16/19 (stocks, bonds, gold, cash). I use 30/20 rebalancing bands for the PP which is completely separate.
by Alanw
Mon Mar 30, 2015 9:32 pm
Forum: Other Discussions
Topic: A Personal Note
Replies: 17
Views: 9172

Re: A Personal Note

Sorry for your loss.
by Alanw
Mon Mar 30, 2015 9:30 pm
Forum: Permanent Portfolio Discussion
Topic: cash as an underperform asset that could get rid of.
Replies: 32
Views: 15779

Re: cash as an underperform asset that could get rid of.

Since I am retired, I use the cash portion of the portfolio to live on and rebalance when I get close to 15% (usually about 3 years). If I had a ways to go before retirement and a steady job or business, I might consider less cash. Those of us in or close to retirement would probably be best served ...
by Alanw
Mon Mar 23, 2015 10:23 pm
Forum: Other Discussions
Topic: Early Retirement
Replies: 145
Views: 56283

Re: Early Retirement

Royal Resorts are great. We have a timeshare at Sea Aquarium Resort (a Royal Resort) in Curacao. I have friends that stay in one of the Royal's in Cancun/Cozumel and they speak very highly of them.  IMO, you can't beat the Caribbean water and beaches. Have a great time.
by Alanw
Mon Mar 23, 2015 9:01 pm
Forum: Other Discussions
Topic: Early Retirement
Replies: 145
Views: 56283

Re: Early Retirement

Where in the Caribbean?
by Alanw
Thu Mar 12, 2015 3:49 pm
Forum: Permanent Portfolio Discussion
Topic: Shorter Term Instead of LT Bonds?
Replies: 21
Views: 12855

Re: Shorter Term Instead of LT Bonds?

If you are overly concerned about one component of the PP, just reduce the size of that component as well as all the other components. That way you retain the integrity of the PP for rebalancing and the remainder can be used to establish a VP to tilt your total portfolio in whichever direction you w...
by Alanw
Wed Mar 11, 2015 11:12 pm
Forum: Permanent Portfolio Discussion
Topic: Shorter Term Instead of LT Bonds?
Replies: 21
Views: 12855

Re: Shorter Term Instead of LT Bonds?

Very well put, Budd. Holding more cash is a great way to shorten your bond duration. And if the Fed does start raising short term rates, our cash will start yielding more. Right now I would be more afraid of not holding LTT's the way the world's financial system looks. As usual, gold is the real wil...
by Alanw
Wed Mar 11, 2015 7:37 pm
Forum: Permanent Portfolio Discussion
Topic: Shorter Term Instead of LT Bonds?
Replies: 21
Views: 12855

Re: Shorter Term Instead of LT Bonds?

We hear all the talk about the 30+ year bull market in bonds. How do we know that won't turn into a 40 or even a 50 year bull market? One of the main premises of the PP is being agnostic about the future.  I prefer keeping the PP pure and using a VP to tilt your total portfolio.
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